# MONTEREY COUNTY BANK
MONTEREY, CA · FDIC certificate 22460 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $300.4M | |
| Deposits | $232.6M | |
| Loans and leases | $161.6M | |
| Total equity | $32.8M | |
| Loans / deposits | 68.66% (p23 of band) | 82.04% |
| Liquid assets / assets | 34.29% (p74 of band) | |
| Uninsured deposits / deposits | 29.96% (p66 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 10.44% (p78 of band) | |
| FHLB advances / assets | 10.39% | |
| Tier 1 leverage | 8.38% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -5.25% (p61 of band) | -8.10% |
| AOCI / equity | 0.22% (p88 of band) | |
| ROA (annualized) | -0.96% (p1 of band) | 1.28% |
| Net interest margin | 3.96% (p53 of band) | 3.91% |
| Efficiency ratio | 117.88% (p99 of band) | |
| Noncurrent loans | 0.24% (p37 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p60 of band) | |
| Reserve coverage of noncurrent | 492.88% | |
| Real estate % of loans | 94% | |
| Construction % of loans | 13.83% (p18 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 20.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 7 | brokered >10%, wholesale funding >15%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 |  | brokered >10%, charge-offs p90 |
| 2011-09 | 6 | capital falling, charge-offs p90 | noncurrent p90 |
| 2011-12 | 7 | leverage <7% |  |
| 2012-03 | 7 | leverage <5%, assets shrinking | wholesale funding >15%, reserve under noncurrent, charge-offs p90 |
| 2012-06 | 8 | charge-offs p90, deposits shrinking | capital falling |
| 2012-09 | 6 | uninsured deposits leaving | leverage <5%, charge-offs p90 |
| 2012-12 | 5 |  | uninsured deposits leaving |
| 2013-03 | 3 |  | losing money, expense ratio p90 |
| 2013-06 | 4 | reserve under noncurrent |  |
| 2013-09 | 5 | charge-offs p90 |  |
| 2013-12 | 5 |  |  |
| 2014-03 | 4 |  | charge-offs p90 |
| 2014-06 | 5 | charge-offs p90 |  |
| 2014-09 | 5 |  |  |
| 2014-12 | 2 | noncurrent p90 | leverage <7%, assets shrinking, deposits shrinking, charge-offs p90 |
| 2015-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking | noncurrent p90 |
| 2015-06 | 5 | uninsured deposits leaving |  |
| 2015-09 | 4 |  | reserve under noncurrent |
| 2015-12 | 4 |  |  |
| 2016-03 | 0 |  | charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 1 | expense ratio p90 |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | capital falling |  |
| 2017-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent | expense ratio p90, capital falling |
| 2017-06 | 4 | assets shrinking |  |
| 2017-09 | 1 |  | noncurrent p90, reserve under noncurrent, assets shrinking |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 2 | expense ratio p90, assets shrinking |  |
| 2018-06 | 5 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2018-09 | 5 |  |  |
| 2018-12 | 6 | losing money |  |
| 2019-03 | 5 | deposits shrinking, uninsured deposits leaving | assets shrinking, charge-offs p90, losing money |
| 2019-06 | 2 |  | expense ratio p90, deposits shrinking, uninsured deposits leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 3 | deposits shrinking |  |
| 2020-03 | 4 | losing money, expense ratio p90 | deposits shrinking |
| 2020-06 | 4 | capital falling | losing money |
| 2020-09 | 4 |  |  |
| 2020-12 | 3 |  | capital falling |
| 2021-03 | 5 | wholesale funding >15%, charge-offs p90 |  |
| 2021-06 | 4 | capital falling | wholesale funding >15%, charge-offs p90 |
| 2021-09 | 4 |  |  |
| 2021-12 | 4 |  |  |
| 2022-03 | 6 | AOCI drag >20% of equity, securities losses >30% of equity, assets shrinking | capital falling |
| 2022-06 | 6 | charge-offs p90 | expense ratio p90 |
| 2022-09 | 7 | construction >100% equity |  |
| 2022-12 | 6 |  | charge-offs p90 |
| 2023-03 | 6 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity, construction >100% equity |
| 2023-06 | 5 |  | assets shrinking |
| 2023-09 | 8 | capital falling, AOCI drag >20% of equity, construction >100% equity |  |
| 2023-12 | 7 | losing money, expense ratio p90 | capital falling, AOCI drag >20% of equity, construction >100% equity |
| 2024-03 | 8 | NIM <2.5% |  |
| 2024-06 | 11 | capital falling, construction >100% equity, assets shrinking |  |
| 2024-09 | 5 |  | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving, capital falling, construction >100% equity, assets shrinking |
| 2024-12 | 3 |  | noncurrent p90, reserve under noncurrent |
| 2025-03 | 4 | charge-offs p90, reserve under noncurrent | NIM <2.5% |
| 2025-06 | 4 |  |  |
| 2025-09 | 3 |  | reserve under noncurrent |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 | capital falling | losing money, expense ratio p90, charge-offs p90 |
| 2026-06 | 3 | losing money, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [/C O R R E C T I O N -- Monterey County Bank/ - PR Newswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPdjFueV93ejVUMHVqaDFsVUlzN1VpRmVGSnZmaHU2S01EUHRUdzhtaDVXNTYtbW5MOGp1bTBOeTZzcW1BVGdoVUlJVkZnbWtObXp4S1k2TkRIUVRZbWZ6RGhFVzRwQm14Yk9sZXhTaHoyUi14THRmNFVWRk5oOEJXUGZ0M3BNR2haM1lCcWdFVG8xVmM3WklUM3gwODQ1Vno4clF5bkdxWGt0dUpkRnpGT0Vhb1ZnQ29DY2loTWN6QWcydTNVMDlyQzJRaEEzM1VZUUVXOXJnemJpWjJMQXBQRmhJSzBKTjVZdWZzMW14UnkzLW9I?oc=5) · PR Newswire
- 2026-09-01 [/C O R R E C T I O N -- Monterey County Bank/ - Arizona Daily Star](https://news.google.com/rss/articles/CBMioAFBVV95cUxOb1Z3YTRJWWFpZ2toaHJFUUItQno4OGpuOUV3Y19mcC1QWDM1UEM1OHMzR0lkd2lzUVBEYzFXS2F0Q3BZQWJ5aUNvUndpWHZ0VW1qNlB3YWtpQjJuNi1MU0Y0c3ZzZi1fZlNLUG1Uc3hIZl8zVlRMZkluVy1oWkg3RHBBckNENXFzZEIxcUo0QnNOY2dub05WVHJTaUt2c284?oc=5) · Arizona Daily Star
- 2026-02-25 [Monterey County Bank Unveils New Brand Identity - Yahoo Finance](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUE1CNlFFYkJoWVExd3gzcHVncXZKRnpJM24tZGl5SGZQSm1mVjA4NnJOMlgwM0MxRmN1NGUwVlNvMHpaS0VoOG40aGx0MF9ZLU1scmp2RzkxNlZhSC16QVRHbDJ0Z2hmWks2N0x2SkI4a1FveVkxcWhES2hGT0pXUjJZQ1lZYnM?oc=5) · Yahoo Finance
- 2025-12-03 [Salinas business donates time, money to food bank on Giving Tuesday - Salinas Californian](https://news.google.com/rss/articles/CBMizAFBVV95cUxQbW91V3BpcDFyVEhUY2FTWGUwQUctam1aaDdGVzJaWHhUZzJxdFRYV3JxejlWM3dlRlFrM3dvdFRwNWp5UjduQmdZbXAxU2NYZExZcWpWLXd4NUhLanhDRldZclp2ejY2SjdsTWV2b1l0Y25YYkxhYTI1dGRfWUJTVVlWeFdfWVZJVnJ5ZUk1SmRlREtRV3cxSDdndkxNMGVXWG9xVnBSWDdyWWMxSXd2OFlLS2RtS0pYYk1hb2pXbl95eTdpSC1iYXhENmk?oc=5) · Salinas Californian
- 2023-10-05 [Monterey County Bank, county’s oldest locally owned bank, merging with SoCal investment firm. - Monterey County Weekly](https://news.google.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?oc=5) · Monterey County Weekly
- 2018-09-12 [Monterey County Bank”s Chrietzberg”s style is unusual — but it works - Monterey Herald](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPWXZOV3hVMGV2ZFI2b2J1TW9kb2xzZ0xfeG5jaVRva1ZRYlRsbVBGMXZuQUFXNmx4NXh0NEdma3VfdFhzSC1UN25Ob2RQZmw4WXV6bWQ0YWcxQ0RpdTJFejRvYjB2MnJmVWhvLUw2a1JYTkNPZi16MTVBMTNpNlJ3X1g0ZE9sQ3BrZjVqbWFENVZQb1RLUHc5Si03aGNuZ2pBYlM4VFcwVU95Vk52WXFqenotQWlyUmpPdkU5cGpEWjIxZw?oc=5) · Monterey Herald
- 2024-08-21 [PCB Financial Merges with Northern California Bancorp and its Monterey County Bank - PR Newswire](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQZTQ4T21FZlFQWDFqaDJaQXlrUDZ4THlXaS1kODBYUUNlampMUDJURzdfeVpiR1JUT2F2N0dXcG05aU9BY0xBTFk1a2RzZUdiX0hTaS1tNzRPd1FFQldqeVdXRW4yNlVPYnJEVklkOUlySWxJLTVFSFNiSmJXMDZkTHpqM1FESHZXN0NPVkFBRlBpT1FiSGR1RGcyZFZuSk5YNXRRN3lrX0xFcTBfbU43NkdzeGM1ODZrZnRvRlNra1MxV29STmxzVXZKUGl2R3lfZE80Tg?oc=5) · PR Newswire
- 2024-08-21 [PCB Financial merges with Northern California Bancorp - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxPaUJoRWVHVmdVaXAxY1M1N1V0SlRMNUFwOG9GSmV1THFBYTRQZTdjVWJMZFFRajNMaVRyUEhwcE9BX1NUZVZHTmJoNVQ3YTFyMDI0Q0FfczE3Wkk4cHRqcmtRZzkybEYwOU11a1B5S3k2NjZZeVREUUQwTVpIWG01UUg3YXI?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=22460 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/60.json (key "22460", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide